Mortgage lending in Scott County
3,863 mortgages were originated in Scott County, Minnesota, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,863
- Median rate
- 6.625%
- Median lender fees
- $4,953
- Median loan amount
- $285,000
- Median spread over APOR
- 0.199
- Paid discount points
- 38.8%
- Received lender credits
- 24.9%
- Purchases / refinances
- 53.5% / 23.8%
- Conventional / FHA / VA
- 87.9% / 7% / 4.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 72.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $552,000
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Scott County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| TRUSTONE FINANCIAL CREDIT UNION | 223 | $451 | 7.250% |
| Bell Bank | 211 | $5,626 | 6.625% |
| Rocket Mortgage, LLC | 191 | $4,754 | 6.750% |
| Wings Financial Credit Union | 182 | — | 7.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 181 | $7,939 | 6.374% |
| U.S. Bank National Association | 135 | $3,875 | 8.300% |
| Fairway Independent Mortgage Corporation | 99 | $5,886 | 6.625% |
| DHI MORTGAGE COMPANY, LTD. | 95 | $15 | 5.500% |
| LENNAR MORTGAGE, LLC | 85 | $4,485 | 5.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 83 | $6,425 | 6.575% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Scott County — not a rule of thumb.
From 2,816 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers